Should We Still Take A Family Trip Even Though We're In Debt?
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- Опубликовано: 15 май 2022
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Just go on the TRIP! People are weird calling Dave to ask permission. You know the baby steps. . . Make a decision you're an adult.
It is very odd.
Exactly!!!
Those kinds of trips just to gamble and drink and spend a fortune on entertainment is HOW people get into debt! It's disrespectful to pressure other people to do something like that!
Yet you’re one of those people who go into debt and put everything on a CC instead of cash flowing it then you call Dave complaining you’re in debt !!! 🙄🙄
It's a good call from someone in step two, he realizes he has to spend up his emergency fund to do this trip. Dave's advice was good, he can also let his parents know that taking this trip is causing a month squeeze on him and accept it as a gift.
No one regrets not saving $900 on something on their deathbed, but they definitely will regret not spending time and creating memories with loved ones.
After years of being overseas, I regret not making it to weddings and celebrations with Siblings, especially for
Yup.
@@jimmay1988 wedding are different . Also, she's getting married soon, i think
If you on your deathbed, it won't make a difference either way, you can't take money or memories with you. We all know when you go to Vegas, you going to be spending much more than $900, so can you really control yourself and not be influenced by family, I highly doubt it. As someone else said rather do something else or you going to be miserable even if you do go when you got no money. I don't disagree with you, but I am mixed whether they should go.
No, they won't. Wasting money on a stupid 1-night trip is stupid. A wedding is much more important than a 1-night birthday party.
“Sell the car” - then you can’t even make the drive 😄
🤣🤣🤣
And deliver pizzas and eat beans and rice as well
Bro, just go. Another month or two is not gonna change your world.
He doesn’t actually want to go. I love Vegas so I don’t get it, but to each their own.
Oh please, just go and have fun.🙄
And then get back to business.
That mentality is how he got into debt in the first place
Don’t do anything you don’t want to do. To be fair, buy her a present and make her feel special before she leaves. Take her to dinner
I feel like a 21st B day blowout in Vegas is not really a "family" event. I probably wouldn't feel comfortable going.
1000000% what I was thinking too!!!
You’d be surprised. Vegas has the hats for all to wear. Some families… are in the club lol
@WheresPaul#1981 I know, been to Vegas countless times and never gambled much, went to clubs or binge drank. But the whole premise of a 21st B day blowout in Vegas doesn't really speak family friendly activities.
Little sister doesn't want her big brother with her in Vegas for her 21st 🤣
Why are you people so dense? It's a family trip
I’ve never heard someone give more reasons not to do something than this call.
I don't wanna celebrate her birthday or go on the trip. So there's that.
This sounds like a terrible trip ….
So much overthinking for a birthday trip. Even more reasons to get out of debt so you don't miss out on life and have to overthink so much for only $900. Also, best idea for him is to send the sister a really nice cash gift and be done with it.
As an adult, there is really nothing interesting about a 21 year old's birthday party. Send her a birthday check. I guarantee she won't miss you as much as you think she will.
I'm glad someone else said something. I honestly didn't understand what the point was.
Absolutely true!
I agree, however, other family members might miss them. I lost my mom at 28 and would give anything to have spent more time with her and my dad. I know the 21 year old is there to party, lol!
Bad idea. She's 21 and likely moving towards a life away from the family. This is likely the end of the birthdays together. There's nothing more iNSULTING than a gift of cash which says, "Hey, listen, I think you're poor, and I don't know what to get you anyway, so I'll just throw a few hundred bucks in an envelope for you." With that money, he could have made the trip to Vegas and made a family memory.
as an adult, you should know that you don't get time back with your family.
It just appears it's no longer his scene.
Sometimes we just have to celebrate the life that we take for granted.
Don’t go but have a nice dinner at home with her and the family celebrating her birthday with a nice cake, family pictures etc.
My wife and I are debt free for years. We do not go out to restaurants, lousy service, no value to investment etc. instead we cook a theme meal every Wednesday night. If we are having Mediterranean night the background music is same. NO cell phones! It’s been great and our adult children and their families love it! I’m just encouraging people to spend real time together because in these busy times we really only get about 40- 65 nights per year or about 80-120 hours together. That is what I think about. Not much time really….also, all are debt free.
Sounds like she's going regardless.
I would never fly anywhere for only one night just to celebrate anyone's birthday, including my own.
😂😂😂😂😂
Enjoy your miserable life then
Take her out and bond with her when she gets back. Don’t force yourself to go
Send her a card with $100 bucks. Stay at home
With $21 dollars
@@joyaustin6581 inflation $121
No one
Absolutely no one
Dr. Delaney: “there’s something else going on”
I feel like this happens way too often lol that’s his step in the convo 🤣
@@tinyloc5596 hahahahhaa for sure 🤣 it’s like you know it’s going to happen
Vegas is no longer cheap. Shows are very expensive. Food is expensive. 25 years ago, you could have gone to Vegas for CHEAP... those days are over.
Nothing is cheap anymore!
long gone...
@@alexfonseca2063 So not true. But it is up to you, if you want to try and save money. With that attitude you will not look for deals or shop the sales... your attitude is wrong.
My ex-husband and I went for a few nights back in 1975 and I thought it was expensive then!
@@abundantlife8396 really?? Cause I do not believe you.
21st birthday does not even register on the importance scale
Exactly
For my 21st birthday, I came home from my day job, ate dinner, then went back out and played a wedding reception (musician). No party, no celebration, that's life.
I don't even remember where I was on my 21st birthday. Definitely, not partying. People make such big deals out of their birthdays.
Dude go for your sister, you're over thinking it. Go hang out, eat, chill and go home 🙄
Send her $100 and take her out to dinner when she gets back.
Perfect
Make her beans and rice
Dude, the best memory I have of my big brother is he took me to a movie theatre as a kid (dollar days) and then bought me popcorn. Girl doesn’t need a special trip for her 21st birthday. (I don’t even remember what I did on my 21st birthday…and guess what? I don’t care!) I did not go on a trip…and I don’t care one iota.
Your answer to the statement is simple.
Maybe one day when you are out of debt and she is married and out of debt, you can take a family vacation together (like I am about to do. And even then, we are driving a big vehicle, not flying bcs of cost)
If you genuinely wanted to go, just go, it’s not that much money. It’s only a month.
But he clearly doesn’t really want to go, and not for monetary reasons. $900 to schlep out there for one night is not great, and I love Vegas. Just use the debt as an excuse and don’t go. Blame Dave Ramsey!
Lol blame Dave Ramsey
I’ve been here a hundred times. I always go and mostly regret it. It’s usually a friends thing, not family. Family, I go.
We downsized, moved to Florida from MN where I can work from home, no state income taxes, and paid cash for a small house so that we could travel anywhere anytime. And we have.
What makes her 21st birthday such a milestone? Used to be cuz that's legal drinking age and presuming it's gonna be her first alcoholic drink ever with family. If she has not waited then it is no longer a milestone. If she has waited then go celebrate with her!
Did the legal age drinking age change?
Honestly the birthday isn’t that serious. There will be plenty more fun birthdays, and they can always do something with her in town before she goes.
Nothing is guaranteed…
@@AlecArtComics well by that logic you should spend whatever you want
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Doesn’t sound like he wants to do the trip
I wouldn’t want to either
Just go! There's plenty to do in Vegas. You don't have to go to clubs or drink. Your sister is only 21 once and it's not going to set you back that much. Your sister will also remember the trip with you being there for her.
Lol. Unless you're gambling, drinking or going to clubs there is no reason to go to vegas
Went years ago and spent time walking around town, people watching. It was fascinating.
@@fauxbro1983 Not true. I went at 20 and they wouldn't even let us sit at the bar for water. My friend and I still had fun. We ended up trying different restaurants, exploring downtown vegas, people watch, went to some shows, etc... If we wanted to venture out more we could have went hiking or did another activity...
Nah. Dave's plan
@@fauxbro1983 my wife and I went with a baby and had a blast, not sure what Vegas you’re taking about.
Not going on vacation when you don’t have the money is a rule i learned at a young age and on judge judy. But there are exceptions i just went to Tennessee and I didn’t pay for the plane ticket or food also going on a fishing trip where I won’t pay the gas. Family vacations should probably be treated differently.
Just don’t go. If you say she and her boyfriend are serious and will get married soon, just get out of debt so you can go to her wedding and see all your family then. Make a whole week of it for the wedding festivities.
Don’t go. You’re just going to end up being a “knot on the log” in your family’s view because of your values. Tell them you don’t drink, dance, etc. and they can get over it.
It sounds like he just doesn't want to partake in the same nightlife. There are plenty of things to do during the day.
Guarantee he would pout the entire time.
@WheresPaul#1981 why would someone go to Vegas if they didn't have money to spend? Pretty sure the only thing there that is free is the heat.
I am like this guy, I have no bad debt but I struggle to spend money on a vacation, I feel I can use that money towards my mortgage. It's hard to spend money on things when you think you can better use it for something more. I am spending $2K on a trip in July but in the back of my mind, I say to myself I can use this for my mortgage but I also have to remind myself I should live and enjoy life. When you in save save save mode, it's hard to spend. Things are expensive, $900 doesn't seem unreasonable for hotels, gas, I bet it will cost more than $900
If you have a mortgage then you have debt.
@@teeduck mortgage is good debt. You own a house 🏡
I should note me and my family have been on three trips this year. Key West, Disney Cruise, Hawaii and another Disney cruise in November.
I’m kinda of tired of trips… there are times where I think we should have spreed these trips out over the past years and extended paying off our home by a year or two.
At the end of the day you’re thinking about this. MOST people do not.
You’re doing great, but enjoy the journey. More importantly take care of your relationship! The rest is noise.
Hope this helps, these thoughts are normal while paying off your home.
Just have a cook out a week later with good food and cake for $150
Drives a $40k truck and complaining about a $900 family get-together that was planned for years.
Dave is severely disconnected as to how much things actually cost. Lotta free stuff when you’re rich ironically.
"No new cars for thee. Big shinny Ford Raptor for me."😂
You're seriously disconnected to any form of an intelligent or coherent statement.
Yup I bet it is more than $900, that's an under estimate not an over estimate, food, gas, hotels, and who knows what else. I guess if they stick to a stick budget.
@Tankkizzle what’s lame about what I said?
Dave say invest! Says it all S&P down nearly 20% and he doesn't look at his 401k statement
He feels bad admitting he really doesn't want to go. Lol.
Looking at car rentals in San Antonio - you could rent a 4 cylinder that's going to almost get 2x the gas mileage of your Tacoma for $100. That would save you a couple hundred as well.
Are you kidding me?? Take a trip while you're in debt?? I wouldn't even take one right now even if well-off financially; not with these outrageous gas prices.
fly you don't need to drive
Just go. It’s $900!
If you have to think about it money wise, then you can't afford it. Don't go. And make it clear that you are on a journey and this will be detrimental to that journey. You can celebrate a number of other ways that she will remember and be thankful for later.
If your family wants you to go that bad they should pay because you are dedicated to paying off debt, have a nice family dinner for your sister after she parties in Vegas
They’re probably is worse financial condition yet “vamp” off them?
Better than I deserve.
I’d buy that for a Dollar!
There is great hiking around Vegas, sightseeing and non-casino activities.
He would feel way worse if he didn't go, plus couldn't look his sister in the eye afterwards
Just bring the rice and beans with you bam 💥 save a lot of money
Plane tickets to Vegas are often subsidized, I believe that the gas price to go is similar.
Celebrate with her when she comes back. Why spend the money for one night to have experiences you don't really care about.
Go!!! Family is important money can be replaced
He just doesn’t want to go. He could just go, spend time with his sister and, celebrate her. I wonder what the dynamic is with wife and the rest of his family… more to this story.
That’s what I do also, I don’t want to really go to Denver, so I tell myself it will be too expensive.
900? Seriously? Just go man
If they agreed to it before starting their plan then why? Did they values somehow change recently. If it's the money then let it be the money. Or likewise with the values. Seems a little wishy-washy my friend
Flying out for one night is a terrible idea, even if you don’t want to do the club scene there’s a nice national park nearby, Hoover dam, Area 51 is cool.
Especially if the entire family is going, just make the trip.
Geez I know this guys feeling it's tuff one
Driving is not economical right now, Dave. However the dude needs to get an Allegiant ticket up in Austin and fly out to Vegas from there. Might save him some money.
Bday parties at 21? Doesn't it sound a little high maintenance? If it's a wedding, that's something you should go.
love the idea of drawing names 😍 🤔 💭
Why can't you celebrate your sister's birthday in another way? Fly her down to San Antonio and show her around. Or take her out to Austin for the day.
DAVE WITH THE MUSIC!!
Go on the trip!
John is not right! He does this "mediumship" dressed up as psychoanalysis, making predictions whilst not really listening to what the person is actually saying and then warping the person's words to fit his prediction. He called for Dave's Blessing on the trip that he REALLY wants to go on to celebrate a Sister that he dearly loves. His family will be upset if they don't go, regardless of the reason x
Idk if he really want it to go he would phase it differently
@@bobberry1463 Hi Bob, perhaps I just heard him differently- to my hearing he said "I REALLY do want to go" several times x
Lol yeah I’ve noticed he does that too
The caller literally said he doesn’t really want to go
@@adamseidel9780 After some coercing, sure! He's on a radio show heard by thousands of people - who is he to argue with "the Expert" - right?! xx
I didn't celebrate my 21st with my family. Was in college. We'd never go to Vegas either. Save your $. Your family sounds like a bunch of partiers. Celebrate at her wedding.
$900 to go to Las Vegas…. Yeah right.
Dude you’re in debt, you know you do not have the funds, you are not that interested in going, and frankly you don’t want to act like a 21 year old and party.
Just stay home, your sister will be fine. Take her to a brother sister brunch when she gets back, and explain why you and your wife decided not to go.
21 really isn’t that big of a deal once it comes and goes
You need to get away and just clear your mind. A family trip is a great idea.
This reminds me of a kid asking his dad for permission to go to out with his friends
It sounded like he did not want to go, and was phoning in on the hope that Dave said "no way dude!". Bottom line, as much as he would like to be there at his sister's birthday, the trip is not his scene. I would not go to something like that anyway. So shout her to an extremely nice dinner either before or after the event and stay home.
If he doesn’t gamble, go!
Going to Las Vegas even for one night is not cheap including travel, food , etc. $800/$900 is not unrealistic especially if you have kids.
I'd go.
Its a waste of money. Even if he had a 100k in the bank. All of that money for a dinner in Vegas with family??
I've booked an all-inclusive 4day trip to Mexico for 900 bucks.
Don’t go . Send a nice gift. They don’t want to fall into peer pressure .
We didn't do anything to celebrate my 21st birthday and I turned out OK. LOL
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NOOOOO! Don't know what to do? It will cost more then $900.00 unless he sleeps in his car!
Meh.. dont go. It's a birthday, not a wedding.
Don’t go. He doesn’t have the money and he doesn’t want to. Easy decision.
Meals, lodging and travel for two to Las Vegas would cost well over $900. The one night in the hotel would be $400 plus
As an adult, if you need to phone another adult to get " permission" to go to your OWN SISTERS birthday then you need to have a good hard look at yourself. 900 ain't cheap granted but come on man 😂😂😂
Vegas sucks. Overrated
Forreal i find it overrated
Don't go - what a waste of time and money and contrary to your values. Do something really special and personal and meaningful for her at home BEFORE her birthday. And if you're saving $900 on the trip you can spend more on her gift.
Get a backbone sir. Be a man and stand up for your own financial future.
Dude…. I go to Vegas frequently. It’s gunna be more than 900 bucks haha. It’s cheap to fly there but everything like food, beverages, service, taxi, Uber etc everything is waaaay more expensive.
I wouldn't spend two days driving for one day in Vegas, or anywhere else for that matter.
Lol. My 21 st bd. Friend took me to a bar. They didn’t even give me a drink. We left later. No bid deal. I’m not a drinker ever. Vegas is EXPENSIVE! Go after your debt is paid off
Sure, I'm going to Disney. Hey, you got to live every now and then. Life is about experiences. Just don't add debt to do it.
Short answer NO
Don’t go to Vegas. Save your money for the wedding you will be attending.
No. Rice 🍚 and beans 🫘.
$900???? I would have been in vegas already
Umm NO.
This guy would honestly be a nuisance on the trip. Guy is a mark, and would probably pout the entire time.
I bet Ramsey gives the kid he draws his terrible book.
40k in debt, and you tell him to go to Vegas ? I was waiting for you to ask if he can control his gambling, since he has a demonstrated difficulty controlling his spending.
Spending and gambling are different
@@sidew8ys I agree. They can also sometimes both be similar manifestations of a lack of self control.
He’s going to say no obviously
Don’t do it